Paul, Frank and Steve start the show by talking about Canada’s inflation and the next rate hike announcement (1:48), rate and real estate predictions (4:26), and why rate increases keep happening (10:06). After the break, the guys converse about listings being up (12:43) and the risk of cashback mortgages (18:19). Then, the gang discuss amortization, static payment and home equity lines of credit changes (22:13) as well as what happens if interest rates don’t come down in 2024 (28:18). To end the show, the guys talk about optimism in the real estate market (33:26), the importance of hiring a real estate agent who’s a good negotiator (35:33), and the average of first-time homebuyers who need help from their parents (37:37).